info@finbuxgrowth.com
8866724211
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Business Loan

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“Bridge the Gap Between Potential and Prosperity.” A Business Loan is a credit facility extended to eligible borrowers to meet business-related funding requirements, including expansion, asset acquisition, debt consolidation, or operational liquidity. The facility is designed to support continuity and growth of business operations while ensuring prudent credit risk management.

Under this product category, the facility is offered primarily as an unsecured, income-based term loan to self-employed individuals, professionals, and eligible business entities. The loan is sanctioned without collateral security and is assessed based on the borrower’s demonstrated income, cash-flow stability, business vintage, and historical credit performance.

Business Loan – Credit Policy Description

The Business Loan facility is designed to provide unsecured term funding to eligible borrowers for business-related requirements, including but not limited to business expansion, capital expenditure, debt consolidation, and operational liquidity management. The facility aims to ensure uninterrupted business operations while maintaining prudent credit risk management.

  • Self-Employed Individuals / Professionals: Must demonstrate a minimum vintage of 3 years in business/profession with consistent income and cash-flow generation.
  • Salaried Professionals: Minimum tenure of 2 years in current employment; must meet prescribed income thresholds as per policy.
  • Business Entities: Registered entities (Proprietorship, Partnership, LLP, Private Limited) with valid regulatory registration documents and operational history.

  • Unsecured, income-based term loan.
  • Sanctioned based on creditworthiness, income assessment, historical repayment behavior, and banking transaction patterns.
  • Not intended as a revolving working capital facility; structured as fixed-tenure EMI loan.

  • Verification of identity, address, and ownership documents.
  • Assessment of income (through ITR, audited financials, or salary records).
  • Evaluation of banking history and cash-flow stability.
  • Credit bureau score and past credit performance.
  • Business vintage, operational history, and industry risk assessment.

  • Interest rates are risk-based, reflecting borrower profile and credit assessment.
  • Tenure: Typically 12 to 60 months depending on loan amount and repayment capacity.
  • Repayment Mode: Equated Monthly Instalments (EMIs) with structured principal and interest component.

Documentation Requirements:

Self-Employed Professionals / Business Entities
  • PAN Card & Aadhaar Card of Applicant(s) & Co- Applicant(s)
  • KYC of Business Entity
  • Ownership proof of residence and/or office premises
  • Partnership Deed / Memorandum of Association / Articles of Association / GST Certificate
  • Income Tax Returns for last 2 years
  • Bank Statements for last 12 months
Salaried Professionals
  • PAN Card & Aadhaar Card
  • Ownership proof of residence
  • Income Tax Returns for last 2 years
  • Bank Statements for last 12 months
  • Degree Certificate & Certificate of Registration (where applicable)
Processing & Disbursement:
  • Applications processed in accordance with internal credit policy and regulatory compliance requirements.
  • Verification of KYC, financial documents, and business credentials.
  • Sanction issued post appraisal and approval by designated credit authority.
  • Disbursement upon execution of loan agreement and fulfillment of all compliance conditions.
Compliance Notes:
  • The facility is not to be used for speculative activities, investments in market instruments, or non-business purposes.
  • All disbursements are subject to regulatory and internal policy limits.
  • Periodic monitoring of repayment, cash-flow, and credit behavior will be conducted as per policy.

Office Location

Visit our conveniently located office for expert loan consultations and personalized support.
We’re here to help you move forward with confidence.

Ahmedabad City

  • Corporate Office

    FINBUX GROWTH
    5th Floor – 510, The Link,
    Vijay Cross Road, Navrangpura, Ahmedabad, Gujarat 380009
  • Front Phone

    8866724211
  • Front Email

    info@finbuxgrowth.com

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